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X FINANCIAL-ADR (XYF) Stock Fundamental Analysis

USA - NYSE:XYF - US98372W2026 - ADR

12.31 USD
+0.11 (+0.9%)
Last: 11/5/2025, 8:04:00 PM
12.31 USD
0 (0%)
After Hours: 11/5/2025, 8:04:00 PM
Fundamental Rating

5

Overall XYF gets a fundamental rating of 5 out of 10. We evaluated XYF against 55 industry peers in the Consumer Finance industry. While XYF belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. XYF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

In the past year XYF was profitable.
Of the past 5 years XYF 4 years were profitable.
Of the past 5 years XYF 4 years had a positive operating cash flow.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

The Return On Assets of XYF (12.77%) is better than 94.55% of its industry peers.
With an excellent Return On Equity value of 22.63%, XYF belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
XYF has a better Return On Invested Capital (33.84%) than 94.55% of its industry peers.
XYF had an Average Return On Invested Capital over the past 3 years of 16.93%. This is significantly above the industry average of 11.72%.
The last Return On Invested Capital (33.84%) for XYF is above the 3 year average (16.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 12.77%
ROE 22.63%
ROIC 33.84%
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

XYF has a Profit Margin of 23.29%. This is amongst the best in the industry. XYF outperforms 85.45% of its industry peers.
In the last couple of years the Profit Margin of XYF has remained more or less at the same level.
Looking at the Operating Margin, with a value of 63.40%, XYF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
XYF's Operating Margin has improved in the last couple of years.
XYF has a better Gross Margin (74.88%) than 65.45% of its industry peers.
XYF's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 63.4%
PM (TTM) 23.29%
GM 74.88%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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5

2. Health

2.1 Basic Checks

XYF has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, XYF has an improved debt to assets ratio.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

An Altman-Z score of 2.73 indicates that XYF is not a great score, but indicates only limited risk for bankruptcy at the moment.
XYF's Altman-Z score of 2.73 is amongst the best of the industry. XYF outperforms 85.45% of its industry peers.
XYF has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of XYF (0.41) is better than 78.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF N/A
Altman-Z 2.73
ROIC/WACC14.34
WACC2.36%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

A Current Ratio of 1.59 indicates that XYF should not have too much problems paying its short term obligations.
The Current ratio of XYF (1.59) is better than 70.91% of its industry peers.
A Quick Ratio of 1.59 indicates that XYF should not have too much problems paying its short term obligations.
XYF has a better Quick ratio (1.59) than 70.91% of its industry peers.
Industry RankSector Rank
Current Ratio 1.59
Quick Ratio 1.59
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

XYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.57%, which is quite impressive.
XYF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.75% yearly.
Looking at the last year, XYF shows a very strong growth in Revenue. The Revenue has grown by 45.11%.
XYF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.71% yearly.
EPS 1Y (TTM)44.57%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.93%
Revenue 1Y (TTM)45.11%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%65.6%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

XYF is valuated cheaply with a Price/Earnings ratio of 2.19.
98.18% of the companies in the same industry are more expensive than XYF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of XYF to the average of the S&P500 Index (26.13), we can say XYF is valued rather cheaply.
Industry RankSector Rank
PE 2.19
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of XYF indicates a rather cheap valuation: XYF is cheaper than 90.91% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.35
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The excellent profitability rating of XYF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.13
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.13%, XYF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.78, XYF pays a bit more dividend than its industry peers.
XYF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 4.13%

5.2 History

XYF has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B 1.5B

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X FINANCIAL-ADR

NYSE:XYF (11/5/2025, 8:04:00 PM)

After market: 12.31 0 (0%)

12.31

+0.11 (+0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-19 2025-08-19
Earnings (Next)11-26 2025-11-26
Inst Owners4.35%
Inst Owner Change0%
Ins Owners1.89%
Ins Owner ChangeN/A
Market Cap519.60M
Revenue(TTM)7.50B
Net Income(TTM)1.75B
Analysts45
Price TargetN/A
Short Float %5.85%
Short Ratio0.93
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date09-26 2025-09-26 (0.28)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.19
Fwd PE N/A
P/S 0.49
P/FCF N/A
P/OCF N/A
P/B 0.48
P/tB 0.48
EV/EBITDA 1.35
EPS(TTM)5.61
EY45.57%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS24.94
BVpS25.67
TBVpS25.55
PEG (NY)N/A
PEG (5Y)0.13
Graham Number56.93
Profitability
Industry RankSector Rank
ROA 12.77%
ROE 22.63%
ROCE 43.65%
ROIC 33.84%
ROICexc 33.84%
ROICexgc 33.96%
OM 63.4%
PM (TTM) 23.29%
GM 74.88%
FCFM N/A
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
ROICexc(3y)18.79%
ROICexc(5y)N/A
ROICexgc(3y)18.94%
ROICexgc(5y)N/A
ROCE(3y)21.77%
ROCE(5y)N/A
ROICexgc growth 3Y18.75%
ROICexgc growth 5Y4.96%
ROICexc growth 3Y18.81%
ROICexc growth 5Y10.59%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
F-ScoreN/A
Asset Turnover0.55
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF N/A
Debt/EBITDA 0.67
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.59
Quick Ratio 1.59
Altman-Z 2.73
F-ScoreN/A
WACC2.36%
ROIC/WACC14.34
Cap/Depr(3y)148.84%
Cap/Depr(5y)104.75%
Cap/Sales(3y)0.19%
Cap/Sales(5y)0.18%
Profit Quality(3y)68.29%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)44.57%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)45.11%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%65.6%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y88.72%
EBIT growth 3Y38.13%
EBIT growth 5Y33.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.3%
FCF growth 3Y50.06%
FCF growth 5Y20.85%
OCF growth 1Y87.07%
OCF growth 3Y50.23%
OCF growth 5Y20.46%

X FINANCIAL-ADR / XYF FAQ

What is the ChartMill fundamental rating of X FINANCIAL-ADR (XYF) stock?

ChartMill assigns a fundamental rating of 5 / 10 to XYF.


What is the valuation status for XYF stock?

ChartMill assigns a valuation rating of 4 / 10 to X FINANCIAL-ADR (XYF). This can be considered as Fairly Valued.


Can you provide the profitability details for X FINANCIAL-ADR?

X FINANCIAL-ADR (XYF) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for XYF stock?

The Price/Earnings (PE) ratio for X FINANCIAL-ADR (XYF) is 2.19 and the Price/Book (PB) ratio is 0.48.


Can you provide the financial health for XYF stock?

The financial health rating of X FINANCIAL-ADR (XYF) is 5 / 10.